Charming late-1800s colonial offering three distinct units--perfect for owner-occupants, investors, or multi-generational living. This standout property blends historic character with modern functionality on a beautifully maintained .95-acre lot. The main 3-bedroom residence features spacious rooms, classic architectural details, a full attic, and full basement, with the ability to open the main side for an exceptional owner-occupied layout. A second-floor 1-bedroom unit is accessed by a unique spiral staircase, adding personality and privacy. The side 1-bedroom apartment includes its own private entrance plus two bonus rooms above, offering flexible space for storage, office use, or creative expansion. Outdoor amenities elevate this property even further: a screened-in gazebo, storage shed, and a heated 3-car garage with individual door openers and storage above. Additional features include oil heat and public water/sewer. A rare opportunity to own a versatile multi-unit colonial with income potential, historic charm, and exceptional property features. Close to all amenities, public highways and Hudson River waterfront. 20 minutes to Albany and 15 minutes to Coxsackie.